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Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012
0

Advice Needed for New Card App

So, I have been gardening for over a year to improve my FICO scores.

 

As of now my stats are as follows:

TU - 670

EQ - 654

EX - ???

 

CAP One - 500 CL

CAP One - 1000 CL

 

Salary - 80k

 

My current utilization is 26%.  My goal is to lower it less than 10% before applying anywhere.

 

I have tried multiple times for CLI from Cap One, however they refuse to budge.  The CSR explained that my card is not elligable for uprgrades or CLI.

 

Anyways, I really want to get my foot in the door with a prime lender (AMEX, Chase, Discover).  I have a pre-qualify notice from AMEX for the Delta Gold card, but this may be b/c I fly with Delta not so much b/c of my scores.

 

Any help/advice would be greatly appreciated.

 

Thanks!!

 

My question is, who do I have the best shot of getting my foot in the door with?  I would love a card that actually carries some rewards and benefits (ideally cash or hotel rewards as a I travel a lot for work).

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
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Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Contributor
lylesvegas
Posts: 80
Registered: ‎11-21-2012
0

Re: Advice Needed for New Card App

I got approved for Discover with a 649 fico.......

Started Gardening Thanksgiving Day 2012 !!

Wells Fargo Cash Rewards / Discover More/ Barclaycard Rewards / Cap One Platinum / Cap One Cash card/ PayPal Smart Connect
Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

If you dont mind my asking, how was their credit limit?

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Advice Needed for New Card App

What baddies are on your reports?  Your scores may get you a number of cards, but the number, type, and age of baddies may hold you back from certain lenders. Maybe that information can help avoid unnecessary inquiries. 


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

I have one charge off from 2006 for $331 and one 120 late for a power company (have attempted to get this removed numerous times).  My AAoA is 7 years and I have had 0 INQ in the past year.

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Valued Contributor
creditnocash
Posts: 2,217
Registered: ‎07-23-2012
0

Re: Advice Needed for New Card App


icetrap06 wrote:

I have one charge off from 2006 for $331 and one 120 late for a power company (have attempted to get this removed numerous times).  My AAoA is 7 years and I have had 0 INQ in the past year.


they can still see inq's past a year they just dont effect score (and will fall off after 2 years) 

 

are those scores from here? 

if you pay off the balances too about 4% your score should see a nice bump. 

for me at least right now i have reporting 20% from the 4 i had last month and my score tanked about 35 points. (also went from 1 card reporting too 4- and 2 of them appear maxed out)

 

with 7 years of aaoa though id suggest a chase freedom after you pay down your cards. and possibly add too your secured card. (if they dont pull too add a deposit) 

from what i here they are good with recon once you talk to a live person. 

Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

Great info!!...The scores are from here (last pulled at the beginning of December).

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Contributor
lylesvegas
Posts: 80
Registered: ‎11-21-2012
0

Re: Advice Needed for New Card App

2000 $ to start....

Started Gardening Thanksgiving Day 2012 !!

Wells Fargo Cash Rewards / Discover More/ Barclaycard Rewards / Cap One Platinum / Cap One Cash card/ PayPal Smart Connect
Regular Contributor
icetrap06
Posts: 161
Registered: ‎12-27-2012
0

Re: Advice Needed for New Card App

Thanks Vegas!

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Contributor
lylesvegas
Posts: 80
Registered: ‎11-21-2012
0

Re: Advice Needed for New Card App

No prob....Just go ahead an app now.......let me know how it goes....

Started Gardening Thanksgiving Day 2012 !!

Wells Fargo Cash Rewards / Discover More/ Barclaycard Rewards / Cap One Platinum / Cap One Cash card/ PayPal Smart Connect

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